We have a husband and wife that are getting a divorce. The wife used the husband's debit card and now he wants to dispute the charges. We submitted the charge back and provisional credit was denied. We received documents from the merchant verifying the card info. Do we need to give him his money back and take the loss?

We have a customer that wanted to dispute a debit card Visa transaction while it was in presentments. We held the dispute until it posted. I know with Reg E the dispute starts when posted. Does the same apply with the Visa Rules?

A friend received a letter from their banking institution which informed that they would no longer offer debit cards on business accounts because of changes to Dodd-Frank. I am not aware of this. What Regulation is changing?

I know that under Reg E business clients are not covered. However, I am confused as to what the bank's liability is with respect to Visa's Zero Liability policy when receiving a dispute for a business client that was run on the Visa network.

Do we need the A-9 form for HSA accounts? Our HSA accounts are housed on the deposit side and debit cards are issued. However, I know that we do not charge overdraft fees on these accounts, so I am thinking that the A-9 is not necessary? Is that right?

Asking this question for both current and future rules:
On a construction-permanent loan application that has only one closing and one set of LE/CD disclosures for the transaction, what should the "sale price" be on the LE/CD with a transaction that involves a seller?
Should it only be the amount of the purchase price or should the cost to construct be included with the purchase price? I'm leaning towards the purchase price only based on 1026.37(a)(7) but we've been adding in the construction costs for some time now without criticism...

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